Capital for contractors — equipment, materials, and working capital from $50K to $5M with approvals in 24 hours.
Construction businesses operate on tight timelines with significant upfront costs. A single excavator costs $100K–$500K, and materials must be purchased weeks before the first progress payment arrives. Traditional lenders who don't understand pay-app cycles and retainage holdbacks often decline or underfund contractors who are actually performing well.
Bridgepoint connects contractors with lenders who specialize in construction financing — equipment loans up to 7 years, working capital lines from $50K–$2M, and SBA loans for expansion. We also help contractors build business credit to access larger bonding lines and better rates over time.
Seasonal revenue swings of 30–50% in cold-weather markets are managed with revolving credit lines that draw and repay with project activity — preventing the expensive short-term debt that erodes contractor margins over time.
Excavators, cranes, and specialty equipment cost $100K–$500K+. Waiting on cash flow to buy equipment means turning down contracts you're qualified to win.
Materials and labor must be paid weeks before the first progress payment arrives. Managing multiple projects simultaneously multiplies the working capital gap.
Cold-weather markets see revenue swings of 30–50% between peak and off-season. Revolving credit lines smooth those swings without resorting to expensive short-term debt.
Performance and payment bonds require strong business credit and liquid balance sheets. Improving credit profiles directly increases bonding capacity and lowers premiums.
Equipment financing up to $5M at rates from 5.99% with terms to 7 years — covering excavators, cranes, loaders, and specialty fleet
Working capital approvals in 24–48 hours for project bid deadlines — so you can commit to materials before financing is confirmed
Lenders experienced with construction pay-app cycles and retainage holdbacks — no explaining your business model to a generalist banker
Business credit building strategy to qualify for larger bonding lines, lower insurance premiums, and better long-term financing rates
Finance excavators, cranes, and specialty machinery up to $5M with terms to 7 years. Equipment serves as its own collateral.
Learn more →Revolving credit from $50K–$2M for materials, payroll, and project working capital. Draw and repay as projects cash flow.
Learn more →Long-term financing up to $5M for equipment, real estate, and business expansion with government-backed rates.
Learn more →Flexible term loans for subcontractors and smaller contractors who need fast capital without collateral complexity.
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